Protecting your vehicle is a legal need, but also financial in Switzerland. Having a car or motorcycle implies important responsibilities for you, other road users and the environment. This detailed article guides it through the various vehicle insurance available in Switzerland in 2025, integrating the new features in the market and practical advice to take the best possible option.

Why is vehicle insurance essential?

In Switzerland, civil liability insurance (RC) is mandatory for each motorized vehicle. This legal obligation guarantees that any victim of an accident will receive compensation for the damage suffered. However, it only covers the damage inflicted on others, hence the importance of opting for the protection of helmet adapted to their personal needs.

The different types of auto and motorcycle insurance

Civil Liability Insurance (RC)

It is the mandatory minimal coverage that compensates for body and material damage caused to third parties. On the other hand, your own damage is not covered. In 2025, insurers were more attentive to the driving history, which makes it even more essential to prevent claims from benefiting from the best rates.

Partial helmet insurance

Partial helmet insurance protects your vehicle against specific risks: robbery, fire, natural damage (such as storms or hail), broken ice and animal collisions. This option is ideal for recent or intermediate value vehicles.

Full helmet insurance

Recommended mainly for new, high level or lease vehicles, Insurance Casco offers the best protection by also covering the damage caused by collision, vandalism and accidents where you are responsible. It has become almost systematic for new vehicles.

Additional covers: How to strengthen your protection?

In addition to the helmet insurance, there are several optional guarantees available to customize your coverage according to your specific needs:

  • Passenger insurance: Although there is already minimal coverage in Switzerland, additional passenger insurance guarantees reinforced protection, especially during frequent trips with people outside their home.

  • Parking damage coverage: Increasingly requested, this option protects your vehicle from the damage caused by unidentified third parties, especially in urban areas.

  • Expanded mobility assistance: 24/7 assistance, problem solution, replacement vehicle … highly appreciated in case of a breakdown or accident, especially during frequent trips abroad.

  • Bonus protection and increase in venal value: Preserve its reduction in bonus in case a first claim and benefits from greater compensation in case of theft or total destruction of the vehicle.

These additional covers, more and more varied in 2025, are often grouped into packaged offers that allow benefiting from advantageous rates.

Franchise and Bono-Malus: How to save intelligently?

Choose the correct franchise

The franchise represents the amount at its coast in case of a disaster. In 2025, the average difference in the annual premium between a low franchise (500 CHF) and high (1500 CHF) can reach almost 900 CHF. Concrete example: If you opt for a deductible 1500 CHF, save around 75 CHF per month compared to a low deductible. However, always make sure you choose a financially reasonable deductible according to your abilities.

The Bonus-Malus system: a direct impact on its cousin

The Bonus-Malus system rewards prudent drivers with reduced premiums every year without accident. On the contrary, each disaster can increase its premium to 30 %. Some insurance now offer an option to protect their bonus after a first accident, very useful for appropriate drivers.

Ensure electric vehicles: particularities and new features in 2025

With the increase in electric vehicles in Switzerland (more than 25 % of new sales in 2025), insurance has adapted with specific coverage:

  • Battery guarantee : Protection against loss of autonomy, electrical damage and decompositions linked to load stations.

  • Protection of domestic accusation stations : Cover in case of damage or breakdown.

  • Special Discounts of Electric Vehicles : Increasingly frequent to encourage energy transition.

How to get the best insurance premiums in 2025?

Here are practical tips to optimize the insurance costs of your vehicle:

  • Compare the offers regularly, because prices strongly evolve every year.

  • Take advantage of “multiple hours” discounts grouping your contracts with the same insurer (vehicle, housing, RC).

  • Choose a franchise adapted to its risk profile.

  • Opt for a less expensive vehicle model and less powerful to save on the premium.

The next trends: bond increase in 2026?

The Swiss vehicle insurance market anticipates a slight increase in premiums in 2026 due to the increase in repair costs and higher urban claims. Therefore, it is more judicious than ever comparing your insurance every year to avoid unjustified increases.

Make the right decision thanks to expert advice

Choosing correct coverage often requires an in -depth experience to evaluate your real needs and anticipate market developments. In the house of Romandia partnerWe support it personally to identify car insurance or motorcycle perfectly suitable for your situation, vehicle and budget.

To obtain personalized advice and a free price without obligation, communicate directly with our experts in 021 321 19 80Or simply complete our online form on our website. We will be delighted to guide him to obtain optimal protection of his vehicle.